Honest Pet Insurance – Independent UK Pet Insurance Guidance

Today's Pet Insurance Prices

We quoted all ten insurers for the same dog: a 2-year-old male neutered Labrador Retriever, no pre-existing conditions, based in London EC1A. All policies shown are lifetime cover. Insurers don't all offer the same cover levels, so we've shown the nearest available tier for each and displayed the actual cover limit clearly. Prices are correct as of 28 May 2026 and include Insurance Premium Tax.

Last updated 28 May 2026.

Profile: 2-year-old male Labrador, neutered, no pre-existing conditions, London postcode EC1A, lifetime cover

Insurer	Monthly	Annual	Cover limit	Excess	Dental included	Co-pay	Trustpilot	£/£1k cover*	More

These quotes are for illustrative purposes only. Your premium will vary based on your pet's age, breed, health history and postcode. We encourage you to get your own quote directly with each insurer.

* £/£1k is the annual premium divided by the cover limit in thousands. This gives a like for like value measure across different cover levels so you can compare fairly regardless of the vet fee limit shown. It does not account for policy extras, excess structure or co-payment terms.

† A co-payment means you contribute a percentage of each vet fee claim on top of your excess once your pet reaches the age shown. The percentage and terms vary by insurer. The full policy wording sets out the co-payment terms that apply.

‡ Purely Pets dental illness cover applies from year 2 of the policy onwards. Dental accidents are covered from day one.

Trustpilot scores are taken from each insurer's public Trustpilot page and updated periodically. British Pet Insurance has insufficient reviews on Trustpilot to display a meaningful score.

Pet insurers don't all offer the same cover levels, so direct price comparisons don't always tell the full story. We've used the £/£1k figure as one way to compare across different cover levels. The full policy wording sets out the terms that apply before purchase.

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Why we built Honest Pet Insurance

Pet insurance in the UK can be difficult to compare, because policies often use different limits, exclusions, excesses and claim rules. Honest Pet Insurance was built to explain those differences in plain English, using real price checks, independent guides and practical industry knowledge.

The site is written and reviewed by someone with over a decade of experience inside the UK pet insurance industry, including work with insurers on pricing, policy wording, customer journeys and claims processes.

Independent editorial approach
No insurer ownership
Real prices updated weekly
Plain-English guides
Practical industry experience
No jargon or sales pressure

Pet Insurance type

Dog, cat, exotic pet, small animal, breeder and equine insurance all work differently. Breed, age, species and how the animal is used affect what you pay and what conditions are likely to need cover. These guides explain what to look for before purchase.